Specialty liability insurance solutions and unwavering support for water sports providers.
Stand strong against the tides of uncertainty with dedicated insurance support that keeps your business moving forward.
Why You Need Specialized Insurance for Water Sports
Water sports insurance is a specialized solution tailored to mitigate the unique risks and challenges faced by businesses offering aquatic recreational activities and rentals. As a water sports provider, navigating the unpredictable nature of water-based ventures without the safety net of dedicated insurance can expose your operations to significant financial and legal vulnerabilities. Whether it’s an unforeseen accident, property damage, or liability claims, the absence of proper insurance can not only jeopardize the financial stability of your business but also its reputation among clients seeking safe and secure adventure experiences.
Choosing XINSURANCE as your partner provides more than just an insurance solution; it equips your business with a dynamic shield, ready to protect against the specific perils of the water sports industry. When you invest in protection with us, you’re not merely buying insurance – you’re securing a partnership dedicated to supporting and safeguarding your business’s future, empowering you to operate with confidence and peace of mind.
Who Needs Water Sports Insurance?
We offer water sports insurance solutions to businesses involved with water sports or rentals as well as individuals who participate in water sports, including:
- Water Sports Providers
- Rental Companies
- Instructors
- Guides & Guided Tours
- Competitors
- Event Organizers
- And More!
Water Sports Insurance Coverage Options
Commercial General Liability
Provides coverage for injuries and property damage sustained by third parties.
Watercraft Liability
This coverage can protect you if you are held liable for a watercraft malfunction or operator injury. It can also protect you from paying out-of-pocket medical bills or income replacement.
Inland Marine
Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
Professional Liability
Coverage for claims regarding negligent acts and more. Learn more.
Special Events Liability
Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.
Alleged Assault and Battery Liability
Coverage for claims against you or an employee regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you or an employee regarding sexual abuse and/or molestation.
Active Shooter Liability
Liability protection in the event of an active shooting taking place on company property. Learn more.
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Premises Liability
Protects against claims for slips, trips, and falls on the property due to negligence.
Pollution Clean-Up
Covers the costs associated with pollution clean-up caused by your business.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Water Sports Insurance
Which water sports or activities are covered with water sports insurance?
XINSURANCE provides water sports insurance solutions for a variety of water sports or activities, including:
- Rentals
- eFoils
- Waterparks
- Waterskiing
- Wakeboarding
- Jet Skiing
- Boating
- White Water Rafting
- Canoeing
- Kayaking
- Parasailing
- Hydro-flying
- Tubing
- Surfing
- Kitesurfing or Kiteboarding
- Windsurfing
- Jet Skiing
- And More
Are there any activities that water sports insurance won’t cover?
Certain high-risk activities, such as eFoils, extreme sporting events, and professional racing, may be excluded from standard policies. However, XINSURANCE offers custom solutions tailored to cover these exclusions.
Can I get coverage for a one-time event?
Yes, we can offer short-term insurance solutions designed for one-time events or seasonal operations, providing flexible coverage without the commitment to an annual policy.
Does homeowners insurance cover water sports?
Some homeowners policies may offer limited coverage for water sports under personal liability sections, but coverage is often insufficient for those engaged in higher-risk activities or water sports businesses. A specific water sports liability insurance policy is highly recommended.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
How much does water sports insurance cost?
The cost is influenced by the type of activities covered, the individual’s or business’s risk exposure and experience level, claims history, policy limits, and more. It’s best to contact us and tell us more about you and your insurance needs in order for us to provide you with a personalized quote.
Catching Waves with Sean Silveria and XINSURANCE
Check out 3x Pro Wakesurf Tour Champ, Sean Silveria, hanging out with XINSURANCE at Lake Powell in Utah.
We provide action sports insurance solutions to help you obtain the proper coverage for your operations. With the right coverage, you can take advantage of all that water sports have to offer with peace of mind.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Water Parks
We provide customized liability insurance solutions for water parks. We can help indoor and outdoor water parks and those that contain a water park such as resorts and hotels, amusement parks, theme parks, recreation centers, cruise ships, etc.
Small Businesses
We can provide customized liability insurance solutions tailored to your business’s unique needs. Even if you’re a new business or have been rejected for coverage, we can still help you!
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
